\n\t\t\t\tNOTE: CLAIMS MUST BE SUBMITTED WITHIN 3 MONTHS OF BEING INCURRED TO BE ELIGIBLE FOR REIMBURSEMENT<\/p>\n

\t\t\t\tFor further assistance please contact the Health Plan Administrator at 417-4915\/4165<\/p>\n

\n\t\t\t\t\tSchedule of Benefits<\/strong>\n\t\t\t\t<\/div>\n
\t\t\t\t<\/p>\n
\n
\n
\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
UNIVERSITY OF THE WEST INDIES
\nCARICARE HEALTH INSURANCE SCHEDULE OF BENEFITS
\nPolicy Number GB1000768<\/th>\n<\/tr>\n<\/thead>\n
Comprehensive Major Medical<\/td> <\/td>\n<\/tr>\n
Benefit Maximum for each student<\/td> $100,000.00<\/td>\n<\/tr>\n
Benefit Period<\/td> (University Lifetime)<\/td>\n<\/tr>\n
Deductible per calendar year<\/td> $50.00<\/td>\n<\/tr>\n
Benefit Payment:<\/strong><\/td> Co-insurance Percentage<\/strong><\/td>\n<\/tr>\n
On the First $20,000 per Calendar Year<\/td> 80%<\/td>\n<\/tr>\n
Thereafter for the remainder of the Calendar Year<\/td> 100%<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Carry Over provision<\/td> Last Three (3) Months of Calendar Year<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Pre-existing Condition (Maximum per Disability)<\/td> Applicable to New Students ONLY $1,000.00<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Internal Plan Limits: (Applies toward Lifetime Major Medical Maximum)<\/strong> AIDS or AIDS-related illnesses<\/td> $20,000.00<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Daily Room and Board Limit<\/strong><\/td> (Subject to the deductible & Co-insurance)<\/strong><\/td>\n<\/tr>\n
Local<\/td> $300.00<\/td>\n<\/tr>\n
Overseas Caricom<\/td> $1,000.00<\/td>\n<\/tr>\n
Intensive Care<\/td> 2.5 times ASPRR<\/td>\n<\/tr>\n
ASPRR Means \"Average Semi-Private Room Rate\"<\/td> <\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Surgical Expense Benefit<\/strong><\/td> <\/td>\n<\/tr>\n
Benefit Payment<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Other Hospital Services Benefit<\/strong><\/td> <\/td>\n<\/tr>\n
Benefit Payment<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Miscellaneous Benefit<\/strong><\/td> <\/td>\n<\/tr>\n
Benefit Payment<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Prescription Drug Benefit<\/strong><\/td> (Not Subject to the deductible)<\/td>\n<\/tr>\n
Benefit Payment<\/td> 80% of R & C Charges<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Diagnostic Expense Benefit<\/strong><\/td> <\/td>\n<\/tr>\n
Benefit Payment<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Doctors Visit Benefit<\/strong><\/td> (Office, Home, Hospital)<\/td>\n<\/tr>\n
Benefit Payment<\/td> <\/td>\n<\/tr>\n
Outside of University Panel<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
Within Panel<\/td> $30.00<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Specialist(by referral only)<\/td> <\/td>\n<\/tr>\n
Benefit Payment<\/td> <\/td>\n<\/tr>\n
Out of Network<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
Within Network<\/td> $50.00<\/td>\n<\/tr>\n
Within Panel Not Subject to Deductible or Co-insurance<\/strong><\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Emergency Doctors Visit Benefit (Home\/Hospital)<\/td> <\/td>\n<\/tr>\n
Payment<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Psychiatric Benefit<\/td> (Subject to the deductible & Co-insurance)<\/td>\n<\/tr>\n
Lifetime Maximum (Applicable to Out-patient & Hospital Care)<\/td> $25,000.00<\/td>\n<\/tr>\n
Out-patient Care<\/td> <\/td>\n<\/tr>\n
Maximum per Treatment<\/td> $50.00<\/td>\n<\/tr>\n
Co-insurance percentage<\/td> 50%<\/td>\n<\/tr>\n
Maximum visits per year<\/td> 20<\/td>\n<\/tr>\n
Hospital Confinement<\/td> <\/td>\n<\/tr>\n
Co-insurance after deductible<\/td> 80%<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Physiotherapy and other Health Care<\/td> <\/td>\n<\/tr>\n
Professional Groups<\/td> <\/td>\n<\/tr>\n
Maximum per visit<\/td> $40.00<\/td>\n<\/tr>\n
Benefit Payment<\/td> After the deductible 80%<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Local Ground Ambulance<\/td> <\/td>\n<\/tr>\n
Benefit Payment Percentage<\/td> After the deductible 80% of R & C Charges<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Medical Air Transportation Benefit<\/td> <\/td>\n<\/tr>\n
Maximum Number of Trips per Calendar Year<\/td> 2<\/td>\n<\/tr>\n
Airfare<\/td> (Subject to the deductible & Co-insurance)<\/td>\n<\/tr>\n
Benefit Maximum per calendar year<\/td> $1,500<\/td>\n<\/tr>\n
Benefit Payment Percentage<\/td> 80%<\/td>\n<\/tr>\n
Benefit Payment percentage<\/td> 100%<\/td>\n<\/tr>\n
Medical Air Transportation Limited to the Caribbean Region<\/td> <\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
Preventative Care<\/td> <\/td>\n<\/tr>\n
Annual GYN and Pap Smear test for each female student<\/td> $35<\/td>\n<\/tr>\n
Annual Proctology\/Prostate Examination for each male student age 40 and over<\/td> $35<\/td>\n<\/tr>\n
<\/td> <\/td>\n<\/tr>\n
*R & C - Reasonable and Customary<\/td> <\/td>\n<\/tr>\n
NB 80% of the Reasonable and Customary Charges are eligible for reimbursement<\/td> <\/td>\n<\/tr>\n
Prescription Drugs<\/td> \tReimbursement\/Payment limited to \"prescribed drugs\" as setout and required by law in the insurer's jurisdiction<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Heath Insurance The Sagicor CariCARE Medical Assistance Plan GB1000768 is a Comprehensive Major Medical Plan which assists students in the payment of medical expenses. This plan does NOT cover Vision, Dental, Maternity and Annual Physical Examinations. When claiming you must fully complete and sign the claim form and attach all relating itemized bills\/receipts. Please complete […]<\/p>\n","protected":false},"author":363,"featured_media":0,"parent":65,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"page-templates\/ossd-side-menu.php","meta":{"_acf_changed":false,"slim_seo":{"title":"Health Insurance - Office of Student Services and Development - The University of the West Indies at Cave Hill","description":"Heath Insurance The Sagicor CariCARE Medical Assistance Plan GB1000768 is a Comprehensive Major Medical Plan which assists students in the payment of medical ex"},"iawp_total_views":24,"footnotes":""},"class_list":["post-73","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/pages\/73","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/users\/363"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/comments?post=73"}],"version-history":[{"count":6,"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/pages\/73\/revisions"}],"predecessor-version":[{"id":924,"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/pages\/73\/revisions\/924"}],"up":[{"embeddable":true,"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/pages\/65"}],"wp:attachment":[{"href":"https:\/\/www.cavehill.uwi.edu\/ossd\/wp-json\/wp\/v2\/media?parent=73"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}